Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT.
|
|
- Stephany Whitehead
- 6 years ago
- Views:
Transcription
1 Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT Ed. 07/ Exp. 07/07/2018
2 Did You Know? Many high-income and high-net-worth individuals will be taxed on most of their retirement income, including their Social Security benefits. Are you prepared to pay taxes on all of your retirement income? Life insurance can offer you death benefit protection PLUS the potential to build cash value that you can use to help supplement your retirement income on a tax-advantaged basis.
3 THE MANY BENEFITS OF LIFE INSURANCE Life insurance is a flexible tool that can help protect your family and more. Life insurance provides a death benefit that can help your loved ones meet their financial obligations after your death. The death benefit can be used to help your loved ones: Maintain their current lifestyle. Pay off a mortgage. Pay state and federal estate taxes. A benefit for your life, too. However, once in retirement, you may find that you have less of a need for death benefit protection, and a greater need for tax-advantaged income. Certain types of life insurance can provide both: A death benefit to protect your family. A source of supplemental income for your retirement.
4 SUPPLEMENT YOUR RETIREMENT WITH LIFE INSURANCE If you are like many high-income earners, you have maximized, or are making an effort to maximize, your plan contributions while also diversifying your total financial portfolio. But, even with your contributions maxed out, you may not be certain of having enough income to maintain your desired standard of living in retirement. If you are in this situation, a life insurance policy may be the answer. That s because life insurance with cash value growth potential can help you in three distinct ways: 1 INCOME TAX-FREE DEATH BENEFIT TAX-DEFERRED CASH VALUE 3 TAX-ADVANTAGED LOANS A life insurance policy s death benefit offers a typically income taxfree death benefit.* Many life insurance policies offer you the potential to accumulate tax-deferred cash values. These life insurance policies also offer you the option of taking taxadvantaged loans from your policy s cash value.** A life insurance policy as part of our Life Insurance in Retirement Planning strategy can be an important part of your financial strategy during your retirement years. That s because it offers you the chance to put a part of your assets in a product that features taxadvantaged growth potential. Life insurance can help you supplement your retirement with tax-advantaged cash value. * Death benefit proceeds are generally received federal income tax-free as provided in Internal Revenue Code Section 101(a). ** TAX-ADVANTAGED ACCESS TO CASH VALUE: You can access your cash value through loans and withdrawals. In general, loans are not currently taxable, and withdrawals are taxable only when you take more money out of the policy than you ve paid in premiums. Loans and withdrawals may impact the ultimate death benefit payable to your beneficiaries.
5 LIFE INSURANCE IN RETIREMENT PLANNING Life Insurance in Retirement Planning The strategy can offer: An opportunity to increase your retirement income if you are already maximizing your contributions to qualified plans. Access to accumulated cash values for any reason, including retirement income. The ability to add riders to the insurance policy for greater protection and flexibility. The chance for small business owners to supplement their existing retirement plans. The chance to delay taking your Social Security benefits until later in life potentially increasing your monthly payout. Create a Financial Strategy In addition to the concept discussed here, you may wish to develop a financial strategy to take into account current and future income and needs. HOW CAN LIFE INSURANCE HELP YOU IN RETIREMENT?
6 How the Strategy Works To create income from a life insurance policy, you first need to choose a policy designed to provide a death benefit and accumulate cash value. Your financial professional can help you decide which might be most appropriate for your financial goals and situation. The Steps of the Strategy 1. You pay premiums to keep the policy in force. Part of these premiums will cover the costs associated with the policy, and part will go toward an account that helps build cash value. 2. Over time, the policy builds cash value, possibly enough to increase the death benefit. RETIREMENT 3. Once you reach retirement (although you don t need to wait until then), you can access the cash value through loans and withdrawals (typically federal income tax-free) to provide you with supplemental income when you need it. Taking loans and withdrawals will reduce cash value as well as the death benefit. 4. At your death, the remaining death benefit will be paid to your beneficiaries. Important Information About the Strategy for You to Consider You should have sufficient liquid assets to support your current and future income and expenses before implementing this life insurance strategy. Equity in a home should not be considered a liquid asset. Life insurance has the flexibility to help you protect and enhance your retirement. This concept is only intended to be used with assets that will not be needed for living expenses for the expected lifetime of the insured. You will need to consider and estimate such needs as well as additional expenses. If you live longer than expected or these assets are exhausted, additional assets may be needed to pay the premiums to keep your policy in force. If your financial or legacy situation changes and you need to use assets or income for current or future income needs and can no longer make premium payments, your life insurance death benefit may terminate and your desired results may not be achieved. Loans taken will become taxable upon policy surrender or lapse. Consult your professional tax and legal advisors when considering this strategy.
7 LIFE INSURANCE IN RETIREMENT PLANNING The Key to Making the Strategy Work Many people who purchase life insurance select the highest death benefit amount to meet their protection needs and then select a policy that offers the least amount of premium possible. But, if you want your life insurance policy to have greater potential cash value that you can access later in life, you may want to reverse that process: Buy a life insurance policy with a lower face amount (while still meeting your protection needs). Maximize the premium payments you are making. This approach commonly called overfunding a policy can help your life insurance policy accumulate larger cash values than it typically would by making only the minimum payments required to keep your policy active. What Is Overfunding a Policy? It is when you buy a life insurance policy with a lower face amount (while still meeting your protection needs) and maximize the premium payments you are making.* These values illustrate MAXIMUM death benefit MINIMUM premium payment These values illustrate MINIMUM death benefit MAXIMUM premium payment CASH VALUE DEATH BENEFIT DEATH BENEFIT Why Overfund a Policy? This approach can help your life insurance policy accumulate larger cash values than it would if you made only the minimum payments required to keep your policy active. This chart is for illustrative purposes only and is not predictive of actual returns. CASH VALUE Work with your financial professional to determine the strategy that will help meet your financial needs. * Federal tax law limits the amount of premium contributions that can be made to a policy in order for it to retain certain tax advantages. When premium contributions exceed this limit, the policy is classified as a Modified Endowment Contract (MEC). Distributions from MECs (such as loans, withdrawals, and assignments, including distributions made in the two years prior to becoming a MEC) are taxed less favorably than distributions from policies that are not MECs. For distributions from a MEC prior to age 59½, a federal income tax penalty may also apply. However, death benefits are still generally received income tax-free pursuant to IRC 101(a). Please consult a tax advisor. Life insurance policy cash values are accessed through withdrawals and policy loans. Loans are at interest. Unpaid loans and withdrawals cause a reduction in cash values and death benefits. In general, loans are not taxable, but withdrawals are taxable to the extent they exceed basis in the contract. Loans outstanding at policy lapse or surrender prior to the death of the insured will cause immediate taxation to the extent of gain in the contract.
8 A FINANCIAL LEADER FOR OVER 140 YEARS Prudential Financial is a worldwide financial leader with a long tradition of serving the public interest. Prudential Financial has approximately 50 million customers, and the well-known Rock symbol is an icon of strength, stability, expertise, and innovation that has stood the test of time. Produced with the environment in mind Produced on Recycled Paper with 10% Post-Consumer Waste Prudential Financial and its financial professionals do not give legal or tax advice. Clients should consult their own advisors. Life insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in NY and/or NJ), and Pruco Life Insurance Company of New Jersey (in NY and/or NJ). All are Prudential Financial companies, located in Newark, NJ, and each is solely responsible for its own financial condition and contractual obligations. Life insurance policies contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. Your financial professional can provide you with costs and complete details. Investment and Insurance Products: Not Insured by FDIC, NCUSIF, or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank, Credit Union, Bank Affiliate, or Credit Union Affiliate. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities Prudential Financial, Inc. and its related entities Ed. 07/ Exp. 07/07/2018
Grantor Annuity Trust A LEGACY OPPORTUNITY IN A LOW INTEREST RATE ENVIRONMENT
Grantor Annuity Trust A LEGACY OPPORTUNITY IN A LOW INTEREST RATE ENVIRONMENT The Prudential Insurance Company of America 0266054-00005-00 Ed. 06/2016 Exp. 12/29/2017 ABOUT THIS BROCHURE This brochure
More informationPruLife Survivorship Index UL
PRULIFE SURVIVORSHIP INDEX UL PruLife Survivorship Index UL HE LP ING YOU BUILD A GREATER LE GACY. Issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey 0284775-1 ABOUT THIS
More informationPruLife SVUL Protector
PruLife SVUL Protector BECAUSE THE NEXT GENERATION MATTERS. Issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey. ABOUT THIS BROCHURE. This brochure provides an overview
More informationLIFE INSURANCE LIFE INSURANCE. Understanding Your Life Insurance Options. Financially protecting those who depend on you may be easier than you think.
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA LIFE INSURANCE Understanding Your Life Insurance Options MANY PEOPLE BENEFIT FROM HAVING A COMBINATION OF BOTH AND LIFE INSURANCE POLICIES offer convenience
More informationFamily Succession Planning Using Life Insurance
WHEN YOUR LEGACY IS TIED TO THE LAND Family Succession Planning Using Life Insurance Pruco Life Insurance Company Pruco Life Insurance Company of New Jersey 0246384 Ed. 06/2016 0246384-00005-00 Exp. 12/12/2017
More informationVUL Protector PROTECTION. FLEXIBILITY. GROWTH. Issued by Pruco Life Insurance Company.
VUL Protector PROTECTION. FLEXIBILITY. GROWTH. Issued by Pruco Life Insurance Company. ICC14 VULNLG-2014; VULNLG-2014 NOT FOR USE IN CA. 0263083 [ML# ] 0263083-00001-00 Ed. 04/2014 Exp. 10/24/2015 ABOUT
More informationZero Estate Tax Strategy
Zero Estate Tax Strategy AN STRATEGY USING LIFE INSURANCE, A FOUNDATION, AND WE ALTH REPL ACEMENT TRUST The Prudential Insurance Company of America 0257697 0257697-00004-00 Ed. 12/2016 Exp. 06/20/2018
More informationPOLICY CONCEPT KIT. nsuring Your Clients Life Insurance Still Protects Their Needs. created exclusively for financial professionals
created exclusively for financial professionals POLICY review CONCEPT KIT nsuring Your Clients Life Insurance E Still Protects Their Needs NOT FOR CONSUMER USE. 0242293-00001-00 Ed. 04/2013 Exp. 10/10/2014
More informationAdv antage s o f M ak in g C h a r it a b le G if t s Giving Back with Life Insurance
Adv antage s o f M ak in g C h a r it a b le G if t s Giving Back with Life Insurance Produced with the environment in mind Printed on Recycled Paper With 10% Post-Consumer Waste Prudential Financial and
More informationPRULIFE FOUNDERS PLUS UL
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS PRULIFE FOUNDERS PLUS UL PROTECTION AND FLEXIBILITY THAT CAN LAST A LIFETIME NOT FOR CONSUMER USE. 0254988-00002-00 Ed. 12/2013 Exp. 06/12/2015 ONE WAY TO
More informationLife Insurance with Benefi taccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL
Life Insurance with Benefi taccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL This brochure must be accompanied or preceded by a product brochure. Issued by
More informationIntroducing our repriced and enhanced PruLife Universal Plus Add a Plus to your Portfolio!
Chuck E. Anderson, FLMI Senior Vice President Prudential Select Brokerage The Prudential Insurance Company of America 13001 County Road 10, Suite 4C Plymouth, MN 55442 Introducing our repriced and enhanced
More informationBeneficiary Review Toolkit
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS PROTECTING THE DREAMS OF YOUR CLIENTS BENEFICIARIES Beneficiary Review Toolkit NOT FOR USE WITH CONSUMERS. 0214525-00004-00 Ed. 10/2014 Exp. 04/08/2016 BENEFICIARY
More informationWelcome. Charitable Endowment With Life Insurance
Welcome Charitable Endowment With Life Insurance Prudential, Prudential Financial, the Rock logo, and the Rock Prudential logo are registered service marks of The Prudential Insurance Company of America,
More informationCOUNT ON. INCOME YOU CAN. Prudential DEFINED INCOME VARIABLE ANNUITY
Prudential DEFINED INCOME VARIABLE ANNUITY INCOME YOU CAN COUNT ON. All references to guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not
More informationPruLife Custom Premier II
THE PROTECTION OF LIFE INSURANCE. THE POTENTIAL FOR LONG-TERM GROWTH. PruLife Custom Premier II NOT FOR USE IN CA Issued by Pruco Life Insurance Company In New York, it is issued by Pruco Life Insurance
More informationLife Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL
Life Insurance with BenefitAccess Rider A CHRONIC AND TERMINAL ILLNESS RIDER THAT GIVES YOU FREEDOM, CHOICE, AND CONTROL FOR USE IN CALIFORNIA ONLY. This brochure must be accompanied or preceded by a product
More informationPrudential ANNUITIES ANNUITIES UNDERSTANDING. Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey.
Prudential ANNUITIES UNDERSTANDING ANNUITIES Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0160994-00008-00 Ed. 05/2017 Meeting the challenges of retirement
More informationPruLife Universal Protector
Title Page Life Insurance Presentation PruLife Universal Protector PRESENTATION FOR DON SEGRIST PRESENTED BY: Robert S. Bland, CLU LifeQuotes.com 8205 South Cass Avenue Suite 102 Darien, IL 60561. Phone
More informationINSURANCE PLANNING. protect. your family. Protecting what s Important
INSURANCE PLANNING protect your family Protecting what s Important protecting what s important When something is important to you, you pledge to protect and secure it to make certain it is sustained when
More informationBALANCING ACT CONCEPT KIT CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS TERM AND PERMANENT LIFE INSURANCE NOT FOR CONSUMER USE.
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS TERM AND PERMANENT LIFE INSURANCE BALANCING ACT CONCEPT KIT NOT FOR CONSUMER USE. 0242294-00003-00 Ed. 09/2014 Exp. 03/29/2016 [ML# ] DID YOU KNOW? A balanced
More informationSupplementing Retirement Income with Life Insurance
Supplementing Retirement Income with Life Insurance CLIENT SNAPSHOT INDIVIDUAL NEEDS Protection for today, income for tomorrow Protecting your family and planning for a long retirement are likely to top
More informationBeneficiary Review Toolkit
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS P ROT EC TIN G THE D RE AM S OF Y OUR CL IEN T S' B EN EF IC IA RIE S Beneficiary Review Toolkit 0214525-00003-00 Ed. 03/2013 Exp. 10/16/2014 BeneficiaRy
More informationPROPOSED INSURED PRESENTED BY
ILLUSTRATION PRESENTED TO d Client PROPOSED INSURED d Client PRESENTED BY Financial Professional -- --, MN 55441 PruLife Universal Plus is issued by Pruco Life Insurance Company located at 213 Washington
More informationLife insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN OVERVIEW IFS-A IFS-A077912
Life insurance can help you take care of your family s future. LIFE INSURANCE FOR WOMEN QUICK OVERVIEW QUOTES OVERVIEW IFS-A077912 IFS-A077912 YOU RE EVERYTHING TO THEM Taking care of your family is what
More informationLIFE INSURANCE BASED STRATEGIES TO ATTRACT AND RETAIN KEY EMPLOYEES Executive Compensation Plans
LIFE INSURANCE BASED STRATEGIES TO ATTRACT AND RETAIN KEY EMPLOYEES Executive Compensation Plans THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 0239395-00006-00 Ed. 06/2017 Exp. 12/31/2018 HOW PRUDENTIAL
More informationRETIREMENT INCOME CERTAINTY STARTS TODAY
RETIREMENT INCOME CERTAINTY STARTS TODAY Prudential Immediate Income Annuity Annuities are issued by The Prudential Insurance Company of America, Newark, NJ. This material must be preceded or accompanied
More informationPruLife Survivorship Index UL. SIUNLG-2015 or ICC15 SIUNLG-2015
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS FAST FACTS PruLife Survivorship Index UL Contract Number Overview Target Markets Design Highlights SIUNLG-2015 or ICC15 SIUNLG-2015 PruLife Survivorship
More informationTake a step in the right direction. Protect your family and plan for the future with life insurance. Nationwide YourLife Current Assumption UL
Nationwide YourLife Current Assumption UL Client guide Take a step in the right direction. Protect your family and plan for the future with life insurance. Nothing says security like knowing you and your
More informationVoyager CLIENT GUIDE UNIVERSAL LIFE CL (10/18)
Voyager UNIVERSAL LIFE CLIENT GUIDE CL 5.1762 (10/18) 1 6 Voyager UNIVERSAL LIFE Flexible Affordable Guaranteed! As life changes, so does your need for protection. If your financial strategy involves a
More informationGROW YOUR RETIREMENT INCOME EVERY DAY with Highest Daily Lifetime Income v3.0
GROW YOUR RETIREMENT INCOME EVERY DAY with Highest Daily Lifetime Income v3.0 Profile: Joe and Mary Smith Age: 62 Both plan to retire in 5 years Retirement Income Sources: 401(k)s Personal savings Social
More informationNationwide YourLife No-Lapse Guarantee UL. Client guide. Protect your family and your peace of mind
Nationwide YourLife No-Lapse Guarantee UL Client guide Protect your family and your peace of mind Nothing says security like knowing you and your family will be protected, even in the face of challenging
More informationPruLife Universal Protector
Title Page Life Insurance Presentation PruLife Universal Protector PRESENTATION FOR Valued Client PRESENTED BY: Financial Professional -- --, MN 55441. Financial Professional, your financial professional,
More informationA SOURCE OF INCOME IN CASE OF CHRONIC OR TERMINAL ILLNESS
CREATED ECLUSIVELY FOR FINANCIAL PROFESSIONALS ADD MORE LIFE Navigating the Life Insurance and Healthcare Client Conversation PRUDENTIAL S PERMANENT, CASH VALUE POLICIES OFFER YOUR CLIENT SOME OPTIONS
More informationGet more from your retirement
Life insurance Get more from your retirement Planning guide Will you have the money to retire and live the life you want? Uncertainty of Social Security, pension plans and tax legislation can make it difficult
More informationCreating a Supplemental Future Income Stream With Life Insurance
Creating a Supplemental Future Income Stream With Life Insurance A Supplemental Illustration Prepared for Valued Client Presented by Premier Producer Premier Brokerage 1 Sales Drive Anytown, USA 98765
More informationProtect what you have
Nationwide Variable Universal Life Protector Client guide Protect what you have Plan for what you want 1 NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY 2 Tomorrow starts today As the world continues to
More informationNautilus Advantage. Universal Life and Survivorship Universal Life
Nautilus Advantage Offered Exclusively by Member Agents of The Nautilus Group, A Service of New York Life Insurance Company Offered exclusively by Nautilus Member Agents Nautilus Advantage A permanent,
More informationRetirement Tax Strategies for the Affluent. Using Cash Value Life Insurance to Help Design a Secure Future
Retirement Tax Strategies for the Affluent Using Cash Value Life Insurance to Help Design a Secure Future Retirement Tax Strategies for the Affluent Page 1 17-76A In this Guide 1. Introduction 2. Discover
More informationAllianz Life Insurance Company of North America. L.I.F.E. Life Insurance as a Financial SM. Engine MLIF Page 1 of 8
Allianz Life Insurance Company of North America L.I.F.E. Life Insurance as a Financial SM Engine MLIF-1128 Page 1 of 8 L.I.F.E. Life Insurance as a Financial Engine SM Life insurance can be a powerful
More informationA STORY OF GUARANTEES AND FINANCIAL VERSATILITY
A Guide for Individuals, Families and Business Owners A STORY OF GUARANTEES AND FINANCIAL VERSATILITY Understanding the Value Behind Whole Life Whole life is a versatile financial product that provides
More informationPACIFIC DISCOVERY XELERATOR IUL
Pacific Life Insurance Company PACIFIC DISCOVERY XELERATOR IUL Flexible Premium Indexed Universal Life Insurance 1 CLIENT GUIDE 16-219 1 Policy Form #P15IUL and S16PDX or ICC15 P15IUL and ICC16 S16PDX,
More informationPRUDENTIAL. PREMIER RETIREMENT AND PRUDENTIAL PREMIER INVESTMENT Variable Annuities. Join the e-movement. SM REGULATION 60 FORMS PACKET
PRUDENTIAL PREMIER RETIREMENT AND PRUDENTIAL PREMIER INVESTMENT Variable Annuities REGULATION 60 FORMS PACKET Annuities are issued by Pruco Life Insurance Company of New Jersey Join the e-movement. SM
More informationA plan for tomorrow can make all the difference
Nationwide Variable Universal Life Accumulator Client guide A plan for tomorrow can make all the difference Make your future count 1 NATIONWIDE LIFE AND ANNUITY INSURANCE COMPANY 2 Tomorrow starts today
More informationFOR WOMEN WHY IT S DIFFERENT. What Matters Most for RETIREMENT PLANNING
What Matters Most for RETIREMENT PLANNING WHY IT S DIFFERENT FOR WOMEN Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0250519-00006-00 Ed. 09/2017 YOUR LIFE IS
More informationLife insurance. Quick reference. Protecting what matters most in life
Life insurance Quick reference Protecting what matters most in life The confidence of knowing you ve prepared As difficult as it is to think about, the unexpected can change everything. Life insurance
More informationWHAT MATTERS MOST. A woman s guide to an inspired retirement strategy
WHAT MATTERS MOST A woman s guide to an inspired retirement strategy Issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey). 0250519-00002-00 Ed. 01/2014
More informationPROTECTION PROTECTION SIUL. The pacesetter in affordable, secure protection. For two. LIFE /16 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.
C O N S U M E R G U ID E PROTECTION PROTECTION SIUL The pacesetter in affordable, secure protection. For two. LIFE-2283 10/16 JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) You ve worked hard planning for
More informationHelping to Protect the Future of Your Business A BUY-SELL AGREEMENT SOLUTION
Helping to Protect the Future of Your Business A BUY-SELL AGREEMENT SOLUTION The Prudential Insurance Company of America 0234015-00006-00 Ed. 08/2017 HOW PRUDENTIAL CAN HELP The Prudential Insurance Company
More informationReturn of Premium Benefit $ 0.00 MyNeeds BenefitSM $ 0.00
Issued by: Pruco Life Insurance Company, a Prudential Financial company, located at 213 Washington Street, Newark, NJ 712-2992. Prudential, the Prudential logo and the Rock symbol are service marks of
More informationLegacy Master. Help Provide for Your Loved Ones. Issuer: Western-Southern Life Assurance Company
Legacy Master Help Provide for Your Loved Ones Issuer: Western-Southern Life Assurance Company FI-80-30000 (1701) Leaving a Legacy Planning for your financial future does not have to be any more complicated
More informationProduct Portfolio CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS CURRENT PRODUCTS AND RIDERS, KEY FEATURES, AND COMMONLY USED STRATEGIES
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS Product Portfolio CURRENT PRODUCTS AND RIDERS, KEY FEATURES, AND LY USED STRATEGIES 4 TERM ESSENTIAL 4 TERM ELITE 4 PRUTERM WORKLIFE 65 S M 4 PRULIFE RETURN
More informationAllianz Life Insurance Company of North America. L.I.F.E. Life Insurance as a Financial SM. Engine MLIF Page 1 of 8
Allianz Life Insurance Company of North America L.I.F.E. Life Insurance as a Financial SM Engine MLIF-1128 Page 1 of 8 L.I.F.E. Life Insurance as a Financial Engine SM Life insurance can be a powerful
More informationIs An Indexed Annuity Right For Me?
Is An Indexed Annuity Right For Me? Our member companies include: Great American Life Insurance Company and Annuity Investors Life Insurance Company Simplify Your Path To Financial Security Longer life
More informationW H A T E V E R Y C O N S U M E R S H O U L D K N O W A B O U T
Important points to consider before buying a life insurance policy. W H A T E V E R Y C O N S U M E R S H O U L D K N O W A B O U T Life Insurance WHAT IS LIFE INSURANCE?.......................................................................................................................
More informationNationwide YourLife No-Lapse Guarantee UL. Advisor guide. Quality protection at a good value
Nationwide YourLife No-Lapse Guarantee UL Advisor guide Quality protection at a good value 2 Now more than ever, your clients are looking for sound, economical solutions as they plan for the future. That
More informationMANAGING YOUR COSTS IN RETIREMENT
MANAGING YOUR COSTS IN RETIREMENT Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0267259-00004-00 Ed. 04/2017 have you accounted for healthcare in your retirement
More informationLongevity Planning. Using Permanent Life Insurance to Help Prepare for a Long, Healthy Retirement. Agent Guide
Longevity Planning Using Permanent Life Insurance to Help Prepare for a Long, Healthy Retirement Agent Guide Help your clients adjust their plans for an extended retirement. Thanks to medical advancements
More informationLife Insurance in Retirement Planning
Life Insurance Planning Strategies Life Insurance in Retirement Planning PRODUCER GUIDE CL 5.2123 (03/17) For Financial Professional Use Only. Not For Use With the Public. Help your clients supplement
More informationVUL Protector UNDERLYING INVESTMENT OPTIONS
VUL Protector UNDERLYING INVESTMENT OPTIONS This brochure must be preceded or accompanied by the consider the investment objectives, risks, and charges and expenses carefully before investing in the contract
More informationIndexed Universal Life Insurance
Life Insurance Indexed Universal Life Insurance The Index Advantage LBL8193-1 Discover the advantages. To provide and protect it s what we all want to do for our loved ones. And with indexed universal
More informationACCUMULATION. Easy Issue VUL. Everything you need to sell SIMPLIFIED LIFE SELLER S GUIDE
SELLER S GUIDE ACCUMULATION Everything you need to sell SIMPLIFIED LIFE Easy Issue VUL LIFE-1916WH 01/15 THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE
More information4-step guide to life insurance
TIAA-CREF Life Insurance Company 4-step guide to life insurance Our promise to help you protect what matters most At TIAA, we understand the need for life insurance our promise is to help you make the
More informationCaring for longer than a lifetime
Life insurance Caring for longer than a lifetime Your 5-minute Guide Life goes on prepare for it Your love for your family will live forever. However, we all know we won t live forever. Life insurance
More informationOrganization of Staff Analysts. Group Universal Life Dependent Term Life. The Prudential Insurance Company of America
Organization of Staff Analysts Group Universal Life Dependent Term Life The Prudential Insurance Company of America IFS-A093645 0170910-00005-00 EcEd. 09.2012-0058 EXP.03.2014 Benefits for a Lifetime Life
More informationLongevity Planning. Using Permanent Life Insurance to Help Prepare for a Long, Healthy Retirement. Marketing Guide
Longevity Planning Using Permanent Life Insurance to Help Prepare for a Long, Healthy Retirement Marketing Guide Help your clients adjust their plans for an extended retirement. Thanks to medical advancements
More informationNationwide YourLife WL. Product guide. A simpler way to protect your family for a lifetime
Nationwide YourLife WL Product guide A simpler way to protect your family for a lifetime Making it easier to protect what matters most to you We ve simplified life insurance coverage so you can focus on
More informationNationwide Marathon Indexed UL. Client guide. Find balance in life
Nationwide Marathon Indexed UL Client guide Find balance in life Before we get started Be sure to choose a product that meets long-term life insurance needs, especially if personal situations change for
More informationClient Guide. PACIFIC INDEXED ACCUMULATOR 5 Indexed Universal Life Insurance FAMILY BUSINESS. Pacific Life Insurance Company 16-3A
Client Guide PACIFIC INDEXED ACCUMULATOR 5 Indexed Universal Life Insurance FAMILY BUSINESS RETIREMENT ESTATE Pacific Life Insurance Company 16-3A THE FLEXIBILITY OF CASH VALUE LIFE INSURANCE 02 FINANCIAL
More informationUnderstanding fixed index universal life insurance
Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation potential, and tax advantages in one policy M-3959 Page of 8 Understanding
More informationDefault Guide. Variable Universal Life. Prepared and published by the Customer Value Center Ed. 10/2010 FOR INTERNAL USE ONLY
Default Guide Prepared and published by the Customer Value Center 0150633-00001-01 Ed. 10/2010 Table of Contents Overview.........................2 Premiums..........................2 Death Benefit Guarantees..............3
More informationLIFE UNIVERSAL. Guarantee Advantage Universal Life. protection. for life
LIFE UNIVERSAL Guarantee Advantage Universal Life LIN BAN protection for life Life. your way Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect, accumulate
More informationPruLife Custom Premier II UNDERLYING INVESTMENT OPTIONS
PruLife Custom Premier II UNDERLYING INVESTMENT OPTIONS This brochure must be preceded or accompanied by the consumer brochure and the policy prospectus. Investors should consider the contract and the
More informationAttention. Currently, Brighthouse SM Fixed Rate Annuity and Brighthouse SM Fixed Rate Annuity MVA are not available in New York.
ANNUITIES FIXED! Attention Currently, Brighthouse SM Fixed Rate Annuity and Brighthouse SM Fixed Rate Annuity MVA are not available in New York. Please check with your financial professional for full details.
More informationWhy Rent When You Can Own?
An Educational Guide for Individuals Why Rent When You Can Own? A comparison of term and permanent life insurance Insurance Strategies Contents 1 Protect the Ones Who Matter Most to You 2 Owning Permanent
More informationSafe Return A fixed-indexed annuity
Issued by Great American Life Insurance Company Safe Return A fixed-indexed annuity 3 Things to Know About Safe Return: Provides penalty-free withdrawals Return of premium guarantee Bailout feature on
More informationFlexible protection to help meet a lifetime of needs
TIAA-CREF Life Insurance Company Flexible protection to help meet a lifetime of needs Intelligent Life Universal Life Insurance and Intelligent Life Survivorship Universal Life Insurance For the milestones
More informationAnnuities. Stretch Your Assets. Create A Lasting Legacy by Stretching Your IRA Fixed Annuities
Annuities Stretch Your Assets Create A Lasting Legacy by Stretching Your IRA Fixed Annuities There are times in our lives we wish would never end... like special moments with family and friends. There
More informationenhancing your benefits with pension maximization
enhancing your benefits with pension maximization Life Insurance Products: Are Not a Deposit of Any Bank Not FDIC Insured Are Not Insured by Any Federal Government Agency Are Not Guaranteed by Any Bank
More informationAmerican Freedom Elevate 5 A fixed annuity from Great American Life Insurance Company
American Freedom Elevate 5 A fixed annuity from Great American Life Insurance Company 2 Photo submitted by Rebecca from Ohio, Great American customer since 2001. Simplify Your Path To Financial Security
More informationA TAX ADVANTAGED PLAN
Like many people who have achieved financial success, you understand the benefits that life insurance can provide. A TAX ADVANTAGED PLAN PROVIDING POST RETIREMENT HEALTH CARE & LIFE BENEFITS BUSINESS INSURANCE
More informationACCUMULATION SVUL Reaching new heights in meeting retirement needs. For two. CONSUMER GUIDE
CONSUMER GUIDE ACCUMULATION SVUL Reaching new heights in meeting retirement needs. For two. JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK IM5235CG You have
More informationUnderstanding fixed annuities
Allianz Life Insurance Company of North America Understanding fixed annuities Protection for your retirement money M-5210 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In recent years, the
More informationAmerican Legend III A fixed-indexed annuity
Issued by Great American Life Insurance Company American Legend III A fixed-indexed annuity The Simple Summary 3 Things to Know About the American Legend III: Accepts additional purchase payments Provides
More informationFREQUENTLY ASKED QUESTIONS BUSINESS CONTINUATION. When should a business and its owners consider buying insurance on its key employees?
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA BUSINESS STRATEGIES Key Person Life Insurance FREQUENTLY ASKED QUESTIONS BUSINESS CONTINUATION When should a business and its owners consider buying insurance
More informationADVISOR SELECT P R UL I F E. Pruco Life of New Jersey Variable Appreciable Account
Pruco Life of New Jersey Variable Appreciable Account Pruco Life Insurance Company of New Jersey (in New Jersey and New York) P R UL I F E ADVISOR SELECT V ARIABLE UNIVERSAL LIFE INSURANCE PROSPECTUS MAY
More informationPROSPECTUS. PruLife Custom Premier VARIABLE UNIVERSAL LIFE INSURANCE. Pruco Life of New Jersey Variable Appreciable Account
MAY 1, 2006 PROSPECTUS PruLife Custom Premier VARIABLE UNIVERSAL LIFE INSURANCE Pruco Life of New Jersey Variable Appreciable Account Pruco Life Insurance Company of New Jersey (in New Jersey and New York)
More informationProduct Portfolio CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS CURRENT PRODUCTS AND RIDERS, KEY FEATURES, AND COMMONLY USED STRATEGIES
CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS Product Portfolio CURRENT PRODUCTS AND RIDERS, KEY FEATURES, AND LY USED STRATEGIES 4 TERM ESSENTIAL 4 TERM ELITE 4 PRUTERM WORKLIFE 65 S M 4 PRULIFE RETURN
More informationMile Marker CONVERSATIONS RETIREMENT ROADMAP TO. Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey.
Mile Marker CONVERSATIONS ROADMAP TO RETIREMENT Issued by Pruco Life Insurance Company and by Pruco Life Insurance Company of New Jersey. 0287505-00003-00 Ed. 04/2017 Knowing what s down the road can help
More informationNationwide YourLife Indexed UL Protector. Client guide. Protect your future with confidence. Affordable protection plus growth potential.
Nationwide YourLife Indexed UL Protector Client guide Protect your future with confidence. Affordable protection plus growth potential. Before we get started Be sure to choose a product that meets long-term
More informationLife Insurance. Protection for you and your family
Life Insurance Protection for you and your family Life insurance: An important piece of your plan for the future. As you go through each stage of life, your relationship with money, income and savings
More informationDiscover Your Sweet Spot
Discover Your Sweet Spot Pacific Life Insurance Company PACIFIC SELECT VUL ACCUMULATION FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE WITH INDEXED OPTIONS Client Guide FOR YOUR FAMILY FOR YOUR BUSINESS
More informationBuild Your Income And Leave A Legacy With The IncomeSustainer Plus
Build Your Income And Leave A Legacy With The IncomeSustainer Plus Issued by Great American Life Insurance Company IncomeSustainer Plus An optional rider from Great American Life Insurance Company When
More informationProducer Guide. Brighthouse Premier Accumulator Universal Life SM. For Financial Professional Use Only. Not For Public Distribution.
Producer Guide LIFE UNIVERSAL Brighthouse Premier Accumulator Universal Life SM Contents 01 Brighthouse Financial 02 Give Clients the Best of Both Worlds 03 Introducing PAUL 04 Don t Just Tell Them Show
More informationYou may enroll for a face amount of insurance for one to eight times your annual base pay, not to exceed $4,000,000. Face Amount of Insurance
Employee Group Universal Life, Spouse/ Eligible Same-Gender Domestic Partner Group Universal Life, Children Dependent Term Life and Optional Accidental Death and Dismemberment (AD&D) Issued by The Prudential
More informationAttention. Currently, Brighthouse SM Fixed Rate Annuity and Brighthouse SM Fixed Rate Annuity MVA are not available in New York.
ANNUITIES FIXED! Attention Currently, Brighthouse SM Fixed Rate Annuity and Brighthouse SM Fixed Rate Annuity MVA are not available in New York. Please check with your financial professional for full details.
More informationSecureGain 7 Annuity A fixed annuity from Great American Life Insurance Company
SecureGain 7 Annuity A fixed annuity from Great American Life Insurance Company Uncomplicate Retirement 1 2 Photo submitted by Brian from California. Simplify Your Path To Financial Security With The SecureGain
More informationBuy-Sell Life Insurance Checklist
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA Buy-Sell Life Insurance Checklist The following checklist details the items that are generally needed to fund a buy-sell agreement with life insurance. STEPS
More informationADVANCED MARKETS BUSINESS PLANNING
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA ADVANCED MARKETS BUSINESS PLANNING Comparison of Retirement Plan Alternatives For Business Owners EMPLOYER-SPONSORED PLANS Eligible Employers All types of employers,
More informationClient Guide. PACIFIC INDEXED PERFORMER LT 2 Indexed Universal Life Insurance ESTATE RETIREMENT. Pacific Life Insurance Company 16-4
Client Guide PACIFIC INDEXED PERFORMER LT 2 Indexed Universal Life Insurance FAMILY BUSINESS RETIREMENT ESTATE Pacific Life Insurance Company 16-4 THE FLEXIBILITY OF CASH VALUE LIFE INSURANCE 02 FINANCIAL
More information